Common use of ANNUITY PROVISIONS Clause in Contracts

ANNUITY PROVISIONS. ANNUITY DATE You may select an Annuity Date at any time during the Accumulation Period. You must notify us of this date at least 30 days prior to the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the Annuity Date, you may, subject to the above, change the Annuity Date by written request. Any change must be requested at least 30 days prior to the new Annuity Date. SELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under an annuity option described below must be made at least 30 days prior to the Annuity Date. If no option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity Date. If an option is based on life expectancy, proof of the payee's date of birth will be required. ANNUITY OPTIONS You may elect to have a Fixed Annuity, a Variable Annuity, or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 days prior to the Annuity Date, amounts in fixed investment options will be used to provide a fixed annuity and amounts in variable investment options will be used to provide a variable annuity. The amount of the first annuity payment will depend on the Annuity Option elected and the age of the Annuitant at the time the first payment is due. The Adjusted Account Value will be applied to the applicable Annuity Table based upon the Annuity Option you selected. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Value. The following Annuity Options, or any other annuity option acceptable to us, may be selected:

ANNUITY PROVISIONS. ANNUITY DATE You The Participant selects an Annuity Date (the date on which the payments are to begin) at the time of application. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Issue Date, but in any event will be no later than the latest Annuity Date. Annuity payments will begin no later than the latest Annuity Date, as set by the Company. If no Annuity Date is selected, the Annuity will be the latest Annuity Date, as set by the Company. The Participant may select an change the Annuity Date at any time during the Accumulation Period. You must notify us of this date at least 30 days prior to the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the Annuity Date, you may, subject to the above, change the Annuity Date by written request. Any change must be requested at least 30 days prior to the new Annuity Date. SELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under an annuity option described below must be made at least 30 seven days prior to the Annuity DateDate then indicated on the Company's records by written notice to the Company at its Annuity Service Center. PAYMENTS TO PARTICIPANT Unless otherwise requested by the Participant, the Company will make annuity payments to the Participant. If no option is selectedthe Participant wants the annuity payments to be made to some other Payee, Option 2 with 120 monthly We will make such payments guaranteed will automatically be applied. Prior subject to the Annuity Date, you may change following: (a) A written request must be filed at the Annuity Option selected by written requestService Center. (b) Such request must be filed not later than thirty (30) days before the due date of the first annuity payment. Any change must such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be requested at least 30 days prior transferred, commuted, anticipated or encumbered. ELECTION OF FIXED AND VARIABLE ANNUITY PAYMENTS The Participant may elect to have fixed annuity payments only, variable annuity payments only, or a combination of fixed and variable annuity payments. The type of annuity payments will be determined by where the Certificate Values are allocated on the Annuity Date. If an option is based a Participant has Certificate Values allocated to both Fixed and Variable Accounts on life expectancythe Annuity Date, proof then the Participant will receive a combination of the payee's date of birth will be requiredfixed and variable annuity payments. ANNUITY OPTIONS You may elect If a Participant desires to have a Fixed Annuityonly fixed annuity payments, a Variable Annuitythen the Participant must transfer, or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 days prior to the Annuity Date, amounts in all Certificate Values allocated to the Variable accounts to one of the Fixed Accounts. If a Participant desires to have only variable annuity payments, then the Participant must transfer, prior to the Annuity Date, all Certificate Values allocated to the Fixed Accounts to one of more of the Variable Accounts. FIXED ANNUITY PAYMENTS The fixed investment options annuity benefits at the time of their commencement will not be less than those that would be provided by the application of an amount, hereinafter defined, to purchase any single consideration immediate annuity contract offered by the Company at the time to the same class of annuitants. Prior to the Latest Annuity Date, such amount will be used the Certificate Value allocated to provide a the Fixed Account options, adjusted for any market value adjustment. In the Latest Annuity Date, such amount will be the Certificate Value allocated to the Fixed Account options. In no event will the fixed annuity and amounts in variable investment options will payments be used to provide a variable annuitychanged. AMOUNT OF VARIABLE ANNUITY PAYMENTS (a) FIRST VARIABLE PAYMENT: The dollar amount of the first monthly annuity payment will depend on be determined by applying the Annuity Option elected and the age portion of the Annuitant at the time the first payment is due. The Adjusted Account Certificate Value will be applied allocated to Variable Annuity accounts, less any applicable premium taxes or other charges, to the annuity table applicable Annuity Table based upon the Annuity Option you selected. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Value. The following Annuity Options, or any other annuity option acceptable to us, may be selected:to

ANNUITY PROVISIONS. ANNUITY DATE When your Contract is issued the Annuity Date, as defined under Annuity Requirements in the Contract Schedule, is equal to the Maturity Date as shown on the Contract Schedule. You may select an change the Annuity Date at any time during to an earlier date by sending Notice to us. We must receive the Accumulation Period. You must notify us of this date Notice at least 30 days prior to the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the Annuity Date, you may, subject to the above, change before the Annuity Date by written requestyou select. Any change must be requested at least 30 days prior to the new Annuity Date. SELECTION ELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under an annuity option described below must be made at least 30 days prior to the The Annuity DateOption is elected by you. If no option Annuity Option is selectedelected, Option 2 3 - Life Annuity with 120 monthly payments guaranteed Cash Refund will automatically be applied. Prior Upon thirty (30) days Notice prior to the Annuity Date, Date you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity Date. If an option is based on life expectancy, proof of the payee's date of birth will be requiredOption. ANNUITY OPTIONS You may elect to have a Fixed Annuityreceive Annuity Payments monthly, a Variable Annuityquarterly, semi-annually or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 days prior to the Annuity Date, amounts in fixed investment options will be used to provide a fixed annuity and amounts in variable investment options will be used to provide a variable annuity. The amount of the first annuity payment will depend on the Annuity Option elected and the age of the Annuitant at the time the first payment is due. The Adjusted Account Value will be applied to the applicable Annuity Table based upon the Annuity Option you selected. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Valueannually. The following Annuity Options, or any other annuity option Annuity Option acceptable to you and us, may be elected: OPTION 1 - LIFE ANNUITY We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant and terminating with the last payment due prior to the Annuitant's death. OPTION 2 - LIFE ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant with a guarantee that if at the Annuitant's death there have been less than 10 years of Annuity Payments made as selected:, Annuity Payments will continue for the remainder of the Guaranteed Period. OPTION 3 - LIFE ANNUITY WITH CASH REFUND We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant with a guarantee that if at the Annuitant's death the total amount of Annuity Payments is less than the Account Value applied to the Annuity Option, we will pay in a lump sum the difference of the two amounts. OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY We will make Annuity Payments, payable at the frequency elected, during the joint lifetime of the Annuitant and the Joint Annuitant. Upon the death of either the Annuitant or Joint Annuitant, Annuity Payments will continue to be paid during the remaining lifetime of the survivor. Annuity Payments cease with the final Annuity Payment due prior to the last survivor's death. OPTION 5 - JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED We will make Annuity Payments, payable at the frequency elected, during the joint lifetime of the Annuitant and the Joint Annuitant. Upon the death of either the Annuitant or Joint Annuitant, Annuity Payments will continue to be paid during the remaining lifetime of the survivor. If at the last death of the Annuitant and the Joint Annuitant, there have been less than 10 years of Annuity Payments made as selected, Annuity Payments will continue to be made for the remainder of the Guaranteed Period. OPTION 6 - JOINT AND LAST SURVIVOR ANNUITY WITH XXXX REFUND We will make Annuity Payments, payable at the frequency elected, during the joint lifetime of the Annuitant and the Joint Annuitant. Upon the death of either the Annuitant or Joint Annuitant, Annuity Payments will continue to be paid during the remaining lifetime of the survivor. Upon last death of the Annuitant and the Joint Annuitant, if the total amount of Annuity Payments is less than the Account Value applied to the Annuity Option, we will pay in a lump sum the difference of the two amounts. ANNUITY You can elect to have the Annuity Option payable as Fixed Annuity Payments. Fixed Annuity Payments are guaranteed as to dollar amount. Unless another payee is designated, you will be the payee of the Annuity Payments.

ANNUITY PROVISIONS. ANNUITY PROCEEDS The annuity proceeds will equal the Accumulated Value, less any applicable premium taxes, administrative charges, and surrender charge on the Annuity Date. Only if the Annuity Date of the Contract occurs within the first three Contract Years, will the surrender charge be deducted from the annuity proceeds on the Annuity Date. ANNUITY DATE Annuity Payments will begin under the Contract on the Annuity Date unless the Contract has been surrendered or the Proceeds have been paid to the designated Beneficiary prior to that date. The Annuity Date will be the later of the first day of the first month following the Annuitant's 85th birthday or upon completion of five Contract Years, unless otherwise restricted, as in the case of a non-corporate qualified contract or by applicable law. You may select an change the Annuity Date. An Annuity Date at any time may be changed only by Written Request during the Accumulation Period. You Annuitant's lifetime, and such a request must notify us of this date reach our Annuity Service Office at least 30 days prior to before (1) the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the then current Annuity Date, you may, subject to the above, change the Annuity Date by written request. Any change must be requested at least 30 days prior to and (2) the new Annuity Date. SELECTION The new Annuity Date must be no later than the Annuity Date as defined in the paragraph above. ELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under an While the Annuitant is alive, you may choose any annuity option described below or change any choice, if your choice was not irrevocable, but only before Annuity Payments begin. The election must be made at least 30 not later than thirty days prior to the time Annuity Date. If no option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity DatePayments begin. If an annuity option is based on life expectancy, proof of the payee's date of birth will be required. ANNUITY OPTIONS You may elect to have a Fixed Annuity, a Variable Annuity, or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 days not chosen prior to the Annuity Date, amounts in fixed investment options payments will be used begin to provide a fixed annuity and amounts in variable investment options will be used to provide a variable annuity. The amount of the first annuity payment will depend Annuitant on the Annuity Date under the annuity option providing a Life Annuity with 120 Monthly Payments Guaranteed. (Option elected and the age of the Annuitant at 2 below) At the time the first payment is due. The Adjusted Account Value will be applied annuity proceeds are payable to a Beneficiary, a Beneficiary may choose or change any annuity option if Proceeds are available to the applicable Annuity Table based upon the Annuity Option you selectedBeneficiary in one sum. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Value. The following Annuity Options, A choice or any other annuity option acceptable to us, may change must be selected:made by Written Request.

ANNUITY PROVISIONS. ANNUITY DATE You The Participant selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Participant may select an change the Annuity Date at any time during the Accumulation Period. You must notify us of this date time, at least 30 days prior to the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the Annuity Date, you may, subject to the above, change the Annuity Date by written request. Any change must be requested at least 30 days prior to the new Annuity Date. SELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under an annuity option described below must be made at least 30 days prior to the Annuity Date. If no option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity Date. If an option is based on life expectancy, proof of the payee's date of birth will be required. ANNUITY OPTIONS You may elect to have a Fixed Annuity, a Variable Annuity, or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 seven days prior to the Annuity Date, amounts in fixed investment options by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Certificate Date, but not beyond the later of the Participant's 90th birthday or ten years after the Certificate Date. If the Participant is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Certificate Date. If no Annuity Date is selected, the Annuity Date will be used the latest Annuity Date, as set by the Company. PAYMENTS TO PARTICIPANT Unless You request otherwise, We will make annuity payments to provide You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a fixed written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity and amounts in variable investment options payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Certificate less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be used determined by applying the portion of the Certificate Value allocated to provide a variable annuityFixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. AMOUNT OF VARIABLE ANNUITY PAYMENTS (a) FIRST VARIABLE ANNUITY PAYMENT: The dollar amount of the first Variable Annuity payment will be determined by applying the portion of the Certificate Value allocated to the Subaccount, less any applicable premium taxes, to rates which are at least equal to the annuity rates based upon the annuity table applicable to the Variable Annuity payment option chosen. If the Certificate Value is allocated to more than one Subaccount, the value of Your interest in each Subaccount is applied separately to the Variable Annuity payment option table to determine the amount of the first annuity payment will depend on the Annuity Option elected and the age of the Annuitant at the time the first payment is due. The Adjusted Account Value will be applied attributable to the applicable Annuity Table based upon the Annuity Option you selected. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Value. The following Annuity Options, or any other annuity option acceptable to us, may be selected:Subaccount.

ANNUITY PROVISIONS. ANNUITY DATE You The Owner selects an Annuity Date (the date on which annuity payments are to begin) at the time of application. The Owner may select an change the Annuity Date at any time during the Accumulation Period. You must notify us of this date time, at least 30 days prior to the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the Annuity Date, you may, subject to the above, change the Annuity Date by written request. Any change must be requested at least 30 days prior to the new Annuity Date. SELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under an annuity option described below must be made at least 30 days prior to the Annuity Date. If no option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity Date. If an option is based on life expectancy, proof of the payee's date of birth will be required. ANNUITY OPTIONS You may elect to have a Fixed Annuity, a Variable Annuity, or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 seven days prior to the Annuity Date, amounts in fixed investment options by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Contract Date, but not beyond the later of the Owner's 90th birthday or ten years after the Contract Date. If the Owner is a non-natural person, the latest Annuity Date is the later of the Annuitant's 90th birthday or ten years after the Contract Date. If no Annuity Date is selected, the Annuity Date will be used the latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to provide You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a fixed written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity and amounts in variable investment options payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be used determined by applying the portion of the Contract Value allocated to provide a variable annuityFixed Annuity payments less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. AMOUNT OF VARIABLE ANNUITY PAYMENTS (a) FIRST VARIABLE ANNUITY PAYMENT: The dollar amount of the first Variable Annuity payment will be determined by applying the portion of the Contract Value allocated to the Subaccount, less any applicable premium taxes, to rates which are at least equal to the annuity rates based upon the annuity table applicable to the Variable Annuity payment option chosen. If the Contract Value is allocated to more than one Subaccount, the value of Your interest in each Subaccount is applied separately to the Variable Annuity payment option table to determine the amount of the first annuity payment will depend on the Annuity Option elected and the age of the Annuitant at the time the first payment is due. The Adjusted Account Value will be applied attributable to the applicable Annuity Table based upon the Annuity Option you selected. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Value. The following Annuity Options, or any other annuity option acceptable to us, may be selected:Subaccount.

ANNUITY PROVISIONS. ANNUITY DATE You may select an Annuity Date at any time during the Accumulation Period. You must notify us of this date at least 30 days prior to the date you wish When your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to Contract is issued the Annuity Date, you mayas defined under Annuity Requirements in the Contract Schedule, subject is equal to the above, Maturity Date as shown on the Contract Schedule. You may change the Annuity Date to an earlier date by written requestsending a Notice to us. Any change We must be requested receive the Notice at least 30 thirty (30) days prior to before the new Annuity DateDate you select. SELECTION ELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under The Annuity Option is elected by you. If you do not elect an annuity option described below must Annuity Option, Option 2 - Life Annuity with Ten (10) Years of Annuity Payments Guaranteed will be made at least 30 days automatically applied. Upon thirty (30) days' Notice prior to the Annuity Date. If no option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, Date you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity Date. If an option is based on life expectancy, proof of the payee's date of birth will be requiredOption. ANNUITY OPTIONS You may elect to have a Fixed Annuityreceive Annuity Payments monthly, a Variable Annuityquarterly, semi-annually or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 days prior to the Annuity Date, amounts in fixed investment options will be used to provide a fixed annuity and amounts in variable investment options will be used to provide a variable annuity. The amount of the first annuity payment will depend on the Annuity Option elected and the age of the Annuitant at the time the first payment is due. The Adjusted Account Value will be applied to the applicable Annuity Table based upon the Annuity Option you selected. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Valueannually. The following Annuity Options, or any other annuity option Annuity Option acceptable to you and us, may be elected: OPTION 1 -- LIFE ANNUITY We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant and terminating with the last payment due prior to the Annuitant's death. There are no payments made after the Annuitant's death. OPTION 2 -- LIFE ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant with a guarantee that if at the Annuitant's death there have been less than ten (10) years of Annuity Payments made as selected:, Annuity Payments will continue for the remainder of the Guaranteed Period only. OPTION 3 -- LIFE ANNUITY WITH CASH REFUND We will make Annuity Payments, payable at the frequency elected, during the lifetime of the Annuitant with a guarantee that if at the Annuitant's death the total amount of Annuity Payments is less than the Account Value applied to the Annuity Option, we will pay in a lump sum the difference of the two amounts. OPTION 4 -- JOINT AND LAST SURVIVOR ANNUITY 7-210 (11/15) 11 We will make Annuity Payments, payable at the frequency elected, during the joint lifetime of the Annuitant and the Joint Annuitant. Upon the death of either the Annuitant or Joint Annuitant, Annuity Payments will continue to be paid during the remaining lifetime of the survivor. Annuity Payments cease with the final Annuity Payment due prior to the last survivor's death. OPTION 5 -- JOINT AND LAST SURVIVOR ANNUITY WITH 10 YEARS OF ANNUITY PAYMENTS GUARANTEED We will make Annuity Payments, payable at the frequency elected, during the joint lifetime of the Annuitant and the Joint Annuitant. Upon the death of either the Annuitant or Joint Annuitant, Annuity Payments will continue to be paid during the remaining lifetime of the survivor. If at the last death of the Annuitant and the Joint Annuitant, there have been less than ten (10) years of Annuity Payments made as selected; Annuity Payments will continue to be made for the remainder of the Guaranteed Period only. OPTION 6 -- JOINT AND LAST SURVIVOR ANNUITY WITH CASH REFUND We will make Annuity Payments, payable at the frequency elected, during the joint lifetime of the Annuitant and the Joint Annuitant. Upon the death of either the Annuitant or Joint Annuitant, Annuity Payments will continue to be paid during the remaining lifetime of the survivor. Upon last death of the Annuitant and the Joint Annuitant, if the total amount of Annuity Payments is less than the Account Value applied to the Annuity Option, we will pay in a lump sum the difference of the two amounts. ANNUITY PAYMENTS The Annuity Option will be payable as Fixed Annuity Payments. Fixed Annuity Payments are guaranteed as to dollar amount. Unless another payee is named, you will be the payee of the Annuity Payments. The "Adjusted Account Value" is the Account Value, less any Premium and Other Taxes or other applicable taxes and less any applicable Annual Contract Fee. All or a portion of your Adjusted Account Value may be applied to the applicable fixed annuity tables as defined under the Annuity Requirements set forth on the Contract Schedule to determine your Annuity Payment. The Adjusted Account Value is determined on the Annuity Calculation Date which is a Business Day no more than five Business Days prior to the Annuity Date. FIXED ANNUITY Fixed Annuity Payments are based upon the Annuity Option elected, the Annuitant's Attained Age and sex, and the appropriate Fixed Annuity Option table. If, as of the Annuity Calculation Date, the then-current Fixed Annuity Option rates applicable to this class of annuitants provide an Annuity Payment greater than that which is guaranteed under the same Annuity Option under this Contract, then the greater payment will be made. FREQUENCY AND AMOUNT OF ANNUITY PAYMENTS Annuity Payments will be paid as monthly installments or at any frequency acceptable to you and us. The Adjusted Account Value on the Annuity Calculation Date is applied to the annuity table for the Annuity Option elected. If the amount of the Adjusted Account Value to be applied under an Annuity Option is less than $5,000, we reserve the right to make one lump sum payment in lieu of Annuity Payments. If the amount of any Annuity Payment would be or becomes less than $100, we may reduce the frequency of payments to an interval which will result in each payment being at least $100. BASIS OF PAYMENTS The annuity tables are based on the tables defined under the Annuity Requirements set forth on the Contract Schedule. The annuity tables are available upon request. SUSPENSION OR DEFERRAL OF PAYMENTS OR TRANSFERS FROM THE SEPARATE ACCOUNT We reserve the right to suspend or postpone payments for a withdrawal or transfer for any period when: 1. the New York Stock Exchange is closed (other than customary weekend and holiday closings); 2. trading on the New York Stock Exchange is restricted; 3. an emergency exists as a result of which disposal of securities held in the Separate Account is not reasonably practicable or it is not reasonably practicable to determine the value of the Separate Account's net assets; or 4. during any other period when the Securities and Exchange Commission, by order, so permits for the protection of the Owner. The applicable rules and regulations of the Securities and Exchange Commission will govern as to whether the conditions described in (2) and (3) exist.

ANNUITY PROVISIONS. ANNUITY DATE You The Owner specifies an anticipated Annuity Date (the date on which annuity payments are to begin). The date provided by the Owner to Us at the time of application is shown on Contract Data Page 3 as the Specified Annuity Date. The Owner may select an change the Specified Annuity Date at any time during the Accumulation Period. You must notify us of this date time, at least 30 days prior to the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the Annuity Date, you may, subject to the above, change the Annuity Date by written request. Any change must be requested at least 30 days prior to the new Annuity Date. SELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under an annuity option described below must be made at least 30 days prior to the Annuity Date. If no option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity Date. If an option is based on life expectancy, proof of the payee's date of birth will be required. ANNUITY OPTIONS You may elect to have a Fixed Annuity, a Variable Annuity, or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 seven days prior to the Annuity Date, amounts in fixed investment options by written notice to the Company at its Annuity Service Center. The Annuity Date must always be the first day of the calendar month and must be at least two years after the Contract Date, but not beyond the later of the Owner's 95th birthday or ten years after the Contract Date. If the Owner is a non-natural person, the latest Annuity Date is the later of the Annuitant's 95th birthday or ten years after the Contract Date. If no Annuity Date is specified, the Annuity Date will be used the latest Annuity Date, as set by the Company. PAYMENTS TO OWNER Unless You request otherwise, We will make annuity payments to provide You. If You want the annuity payments to be made to some other Payee, We will make such payments subject to receipt of a fixed written request filed at the Annuity Service Center no later than thirty (30) days before the due date of the first annuity and amounts payment. Any such request is subject to the rights of any assignee. No payments available to or being paid to the Payee while the Annuitant is alive can be transferred, commuted, anticipated or encumbered. FIXED ANNUITY PAYMENTS If a Fixed Annuity payment option has been elected, the proceeds payable under this Contract less any applicable premium taxes, shall be applied to the payment of the Fixed Annuity payment option elected at rates which are at least equal to the annuity rates based upon the applicable tables in variable investment options the Contract. In no event will the Fixed Annuity payments be changed once they begin. AMOUNT OF FIXED ANNUITY PAYMENTS The amount of each Fixed Annuity payment will be used determined by applying the portion of the Contract Value allocated to provide a variable annuitythe Fixed Account Options less any applicable premium taxes to the annuity table applicable to the Fixed Annuity payment option chosen. (a) FIRST VARIABLE ANNUITY PAYMENT: The dollar amount of the first Variable Annuity payment will be determined by applying the portion of the Contract Value allocated to the Variable Portfolio(s), less any applicable premium taxes, to rates which are at least equal to the annuity rates based upon the annuity table applicable to the Variable Annuity payment option chosen. The If the Contract Value is allocated to more than one Variable Portfolio, the value of Your interest in each Variable Portfolio is applied separately to the Variable Annuity payment option table to determine the amount of the first annuity payment will depend on the Annuity Option elected and the age of the Annuitant at the time the first payment is due. The Adjusted Account Value will be applied attributable to the applicable Annuity Table based upon the Annuity Option you selected. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Value. The following Annuity Options, or any other annuity option acceptable to us, may be selected:Variable Portfolio.

ANNUITY PROVISIONS. ANNUITY PROCEEDS The annuity proceeds will equal the Accumulated Value, less any applicable premium taxes, administrative charges, and surrender charge on the Annuity Date. OnIy if the Annuity Date of the Contract occurs within the first three Contract Years, will the surrender charge be deducted from the annuity proceeds on the Annuity Date. ANNUITY DATE Annuity Payments will begin under the Contract on the Annuity Date unless the Contract has been surrendered or the Proceeds have been paid to the designated Beneficiary prior to that date. The Annuity Date can be no later than the Annuitant's 85th birthday. You may select an change the Annuity Date. An Annuity Date at any time may be changed only by Written Request during the Accumulation Period. You Annuitant's lifetime, and such a request must notify us of this date reach our Annuity Service Office at least 30 days prior to before (1) the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the then current Annuity Date, you may, subject to the above, change the Annuity Date by written request. Any change must be requested at least 30 days prior to and (2) the new Annuity Date. SELECTION The new Annuity Date must be no later than the Annuity Date as defined in the paragraph above. ELECTION OF AN ANNUITY OPTION A selection to receive annuity payments under an While the Annuitant is alive, you may choose any annuity option described below or change any choice, if your choice was not irrevocable, but only before Annuity Payments begin. The election must be made at least 30 not later than thirty days prior to the time Annuity Date. If no option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity DatePayments begin. If an annuity option is based on life expectancy, proof of the payee's date of birth will be required. ANNUITY OPTIONS You may elect to have a Fixed Annuity, a Variable Annuity, or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 days not chosen prior to the Annuity Date, amounts in fixed investment options payments will be used begin to provide a fixed annuity and amounts in variable investment options will be used to provide a variable annuity. The amount of the first annuity payment will depend Annuitant on the Annuity Date under the annuity option providing a Life Annuity with 120 Monthly Payments Guaranteed. (Option elected and the age of the Annuitant at 2 below) At the time the first payment is due. The Adjusted Account Value will be applied annuity proceeds are payable to a Beneficiary, a Beneficiary may choose or change any annuity option if Proceeds are available to the applicable Annuity Table based upon the Annuity Option you selectedBeneficiary in one sum. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Value. The following Annuity Options, A choice or any other annuity option acceptable to us, may change must be selected:made by Written Request.

ANNUITY PROVISIONS. ANNUITY DATE Annuity Proceeds The annuity proceeds will equal the Accumulated Value, less any applicable premium taxes, administrative charges, interest change adjustment, and surrender charge on the Annuity Date. Only if the Annuity Date of the Contract occurs within the first three Contract Years, will the surrender charge be deducted from the annuity proceeds on the Annuity Date. Annuity Date Annuity Payments will begin under the Contract on the Annuity Date unless the Contract has been surrendered or the Proceeds have been paid to the designated Beneficiary prior to that date. The Annuity Date will be the later of the first day of the first month following the Annuitant's 85th birthday or upon completion of five Contract Years, unless otherwise restricted, as In the case of a non-corporate qualified contract or by applicable law. You may select an change the Annuity Date. An Annuity Date at any time may be changed only by Written Request during the Accumulation Period. You Annuitant's lifetime, and such a request must notify us of this date reach our Annuity Service Office at least 30 days prior to before (1) the date you wish your annuity payments to begin. The Annuity Date must be the first day of a calendar month. The Annuity Date may not be later than the earlier of when the Annuitant reaches attained age 85 or the maximum date permitted under state law. Prior to the then current Annuity Date, you may, subject to the above, change the Annuity Date by written request. Any change must be requested at least 30 days prior to and (2) the new Annuity Date. SELECTION OF AN ANNUITY OPTION A selection to receive The new Annuity Date must be no later than the Annuity Date as defined in the paragraph above. Election of While the Annuitant is alive, you may choose any annuity payments under an annuity Annuity Option option described below or change any choice, if your choice was not irrevocable, but only before Annuity Payments begin. The election must be made at least 30 not later than thirty days prior to the time Annuity Date. If no option is selected, Option 2 with 120 monthly payments guaranteed will automatically be applied. Prior to the Annuity Date, you may change the Annuity Option selected by written request. Any change must be requested at least 30 days prior to the Annuity DatePayments begin. If an annuity option is based on life expectancy, proof of the payee's date of birth will be required. ANNUITY OPTIONS You may elect to have a Fixed Annuity, a Variable Annuity, or a combination Fixed Annuity and Variable Annuity. Depending on your election, the Adjusted Account Value will be applied to provide the annuity payment. If no election has been made 30 days not chosen prior to the Annuity Date, amounts in fixed investment options payments will be used begin to provide a fixed annuity and amounts in variable investment options will be used to provide a variable annuity. The amount of the first annuity payment will depend Annuitant on the Annuity Date under the annuity option providing a Life Annuity with 120 Monthly Payments Guaranteed. (Option elected and 2 below) At the age time annuity proceeds are payable to a Beneficiary, a Beneficiary may choose or change any annuity option if Proceeds are available to the Beneficiary in one sum. A choice or change must be made by Written Request. Annuity Options (See Annuity Option Tables at the end of this Contract.) On the Annuity Date, the annuity proceeds may be placed under any of the Annuitant at the time the first payment is due. The Adjusted Account Value will be applied to the applicable Annuity Table based upon the Annuity Option you selected. The Annuity Tables show the amount of the first annuity payments for each $1,000 of Adjusted Account Value. The following Annuity Options, or any other annuity option acceptable to us, may be selectedoptions: